Horse Trailer POLICY DOCUMENT - UNDERWRITTEN BY INSURANCE ARRANGED BY - SEIB Insurance Brokers
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Horse Trailer POLICY DOCUMENT UNDERWRITTEN BY INSURANCE ARRANGED BY
2 POLICY DOCUMENT HERITAGE COMMERCIAL INSURANCE
Contents
Introduction 3
Claims service 3
How we use your data 3
Definitions 4
Preamble 5
Policy cover 6
Settling claims 7
Conditions 8
Rights and responsibilities 11
Exclusions 12
General information 14POLICY DOCUMENT 3
Introduction (not forming part of the policy)
Claims service We process your personal data for the purposes of
offering and carrying out insurance related services
Claims should be made to your broker or us directly to you or to an organisation or other persons which
using the contact methods listed below. New claims you represent. Your personal data is also used for
can be reported 24 hours a day, seven days a week. business purposes such as fraud prevention, business
Claim updates can be requested during our office management, systems development and carrying out
hours of 8am – 6pm, Monday to Friday. statistical and strategic analysis.
Call us on Providing our services will involve sharing your
0345 603 8381 personal data with, and obtaining information about
you from, our group companies and third parties such
Claim online at as brokers, loss adjusters, credit reference agencies,
www.ecclesiastical.com fraud prevention agencies, our service providers and
professional advisors, or business partners and our
Email regulators.
claims@ecclesiastical.com In some circumstances we may transfer your personal
data to countries outside of the European Economic
Fax
Area. We will put appropriate safeguards in place to
0345 602 2869 ensure that your personal data is protected.
Where we have your consent, we may market our
How we use your data services to you or provide your personal data to
our related companies or business partners for
Your privacy is important to us. We will process your marketing purposes. You can opt out of marketing
personal data in accordance with data protection laws. communications at any time by clicking on the link at
the bottom of any email or by contacting us.
Ecclesiastical Insurance Office plc (“we”, “us”, “our”)
is the data controller in respect of any personal data
which you provide to us or which we hold about Fraud Prevention
you and any personal data which is processed in
connection with the services we provide to you. We need to carry out fraud and anti-money laundering
checks, and this will involve sharing your personal
Where you provide us with personal data about a
data (such as your name, contact details and financial
person other than yourself (such as a dependant or
information) with credit reference and fraud prevention
named person under a policy), you must inform them
organisations such as the Claims and Underwriting
that you are providing their personal data to us and
Exchange, run by MIB. If you make a claim, we will
refer them to this notice.
share your personal data (to the extent necessary)
To provide our insurance related services, we will with other companies including other insurers and
collect and process your personal data such as your anti-fraud organisations to prevent fraud. For the
name, contact details, financial information and any purposes of deciding whether to accept and pay a
information which is relevant to the insurance policy claim or any part of it, we may appoint loss adjusters
we are providing. In order to provide your insurance or external investigation services to act on our behalf.
policy or when making a claim, we may also need to
If false or inaccurate information is provided and
collect or process ‘special categories of personal data’
fraud is identified, your personal data will be passed
such as information relating to your health or criminal
to fraud prevention agencies including the Insurance
convictions or information which is likely to reveal your
Fraud Register, run by the Insurance Fraud Bureau.
religious beliefs.
Law enforcement agencies may access and use this
information.4 POLICY DOCUMENT
Please note that when carrying out any fraud
prevention activities, we may need to process your
special categories of data such as criminal offence
information and share it with fraud prevention
agencies.
Further Information
For further information on how your personal data
is used and your rights in relation to your personal
data please refer to our Privacy Policy at
www.ecclesiastical.com/privacypolicy or contact
our Data Protection Officer at Benefact House,
2000 Pioneer Avenue, Gloucester Business Park,
Brockworth, Gloucester, GL3 4AW, United Kingdom
or on 0345 6073274 or email
compliance@ecclesiastical.com.
Definitions
Each time the following words or phrases are used in We, our, us
this booklet they will be printed in bold italic type and means Ecclesiastical Insurance Office plc.
will have the specific meaning shown below:
ou, your
Y
Excess means the person(s) named as insured in the
means the amount you must pay towards any claim. schedule.
Geographical limits
means England, Scotland, Wales, Northern Ireland, the
Channel Islands and the Isle of Man.
Terrorism
means an act including but not limited to the use of
force or violence and/or the threat thereof of any
person or group(s) of persons whether acting alone or
on behalf of or in connection with any organisation(s)
or government(s) committed for political, religious,
ideological, ethnic or similar purposes or reasons
including the intention to influence any government
and/or to put the public or any section of the public in
fear.POLICY DOCUMENT 5
Horse Trailer insurance
Preamble
We (the Ecclesiastical Insurance Office plc) and
you (the Insured named in the schedule) agree the
following:
– We will provide the cover if you pay the premium.
– The policy and the schedule must be read
together and any word or phrase which has been
explained in this policy will have that meaning
wherever it appears.
– This policy will be governed by English law unless
you live in Scotland in which case the law of
Scotland will apply. If there is any dispute as to
which law applies, it will be English law.
– The language used in this policy and any
information in it will be English.6 POLICY DOCUMENT
Horse trailer damage, theft & liability
What is covered What is not covered
1 Accidental loss of or damage to the Horse (i) The amount of any excess shown in your
Trailer described in the schedule occurring schedule.
within the geographical limits. (ii) Loss or damage while the Horse Trailer is being
used for your job profession or business or for
hire and reward.
(iii) Damage to tyres by punctures cuts or bursts.
(iv) Loss of or damage to contents other than
accessories.
(v) Loss of the Horse Trailer through deception.
(vi) Loss of the Horse Trailer by theft from a locked
building unless involving forcible and violent
means of entry into or exit from the building.
(vii) Loss of the Horse Trailer by theft other than
from a locked building unless at the time of the
loss it is protected by a proprietary wheel clamp
or other security device acceptable to us and
noted on your statement of facts sheet.
2 Recovery and delivery
After any loss or damage insured by this policy we will
pay you the necessary and reasonable costs you have
paid to:
(a) protect the Horse Trailer and take it to the
nearest suitable repairers.
(b) arrange delivery of the Horse Trailer after its
repair or recovery to your address or where you
have told us the Horse trailer is normally kept
within the geographical limits.
(c) recover any horses that were being transported in
the Horse Trailer to your address or intended
destination within the geographical limits
should the Horse Trailer be immobilised or
deemed unsafe to transport horses immediately
following the incident of loss or damage.
The most we will pay under (c) is £500 any one
incident per Horse Trailer.
3 emporary hire of an alternative
T
trailer
(if shown as insured on your schedule)
After any insured loss or damage to the trailer
described in the schedule which renders it unusable,
ContinuedPOLICY DOCUMENT 7
What is covered What is not covered
we will pay you the costs you have to pay to hire a
temporary replacement trailer for a period of up to 3
weeks.
The most we will pay is £150 per week and £450 in
total.
4 Third party liability
We will insure you against your legal liability as Liability arising from the following:
owner of the Horse Trailer up to £1,000,000 for any (i) Loss of or damage to property belonging to held
one accident or series of accidents arising out of or in trust or controlled by you.
attributable to one event (inclusive of all damages (ii) Your job profession or business or for hire and
costs and expenses incurred with our written reward.
consent). (iii) Injury (including death disease or illness) to you
or any person employed by you.
We will provide this cover for liability arising from:
(iv) Any vehicle towing or transporting the Horse
n accidental bodily injury including death disease or
Trailer.
illness or
(v) Any agreement you have made unless you
n accidental damage to property
would have been liable even without the
happening in the geographical limits during the
agreement.
period of insurance.
(vi) Any vehicle which must be insured under the
Road Traffic Acts.
Settling claims
We will pay the cost of replacing or repairing the Our liability under this section will then end.
property or we may replace the property or arrange for
The most we will pay for any one claim is the sum
the repairs to be carried out.
insured shown in the schedule.
We will pay the market value of the Horse Trailer if
We will not reduce the sum insured after we pay a
it is lost or it would not be economical to repair the
claim except for total loss or destruction in which case
damage.
cover will end.
However if the loss or damage occurs within 12
months of you buying the Horse Trailer as new we will
pay the cost of replacing it as new or we may replace
it as new.
If we know that you are still paying for the Horse
Trailer under a hire purchase or leasing agreement we
will pay the hire or lease company.8 POLICY DOCUMENT
Conditions
If you do not tell us about a change described
1 Misrepresentation
above, or if the information that you provide is not
It is your duty to take reasonable care not to make complete and accurate, we may, depending on the
a misrepresentation to us if we ask you a question circumstances,
in connection with your insurance or we ask you to (i) refuse to pay or reduce the amount we pay for
confirm or amend details. any relevant claim;
(ii) revise the terms and/or premium of your policy;
If you fail in this duty it may have adverse
or
consequences on your insurance policy, including in
(iii) cancel your policy in accordance with condition 6.
the worst case scenario, refusing all claims, cancelling
the policy from the beginning and retaining all
5 Changes to premium
premiums paid.
If you make a change in the policy cover and this
2 Duty of care results in an additional or refund of premium for the
period up to the renewal date of the policy then such
You must take all reasonable steps to prevent or
additional or refund of premium will only be requested
reduce loss of or damage to the Horse Trailer insured
or paid by us if it exceeds £15.
by this policy and to maintain the Horse Trailer in a
good condition and in a good state of repair.
6 Cancelling the policy
3 Other insurances (a) Your right to cancel in the cooling-off
period
At the time of any loss damage or liability resulting in a
claim under this policy if you have any other insurance You have a right to cancel this policy for any reason
covering the same loss damage or liability we will only within the first 14 days of the start of cover (or your
be responsible for our proportion of the claim. renewal date) or the date you receive your policy
documentation if this is later.
4 Changes to risk
No charge will be made and any premium you have
Please tell us as soon as possible if there are any already paid will be refunded, provided that between
changes to the information set out in the most recent the start date (or your renewal date) and the date that
‘Statement of Facts’ document issued to you. You you cancel:
must tell us as soon as possible about any of the
- you have not made a claim and
following:
- you are not aware of any incidents that may give
(i) any change to your postal address for this policy.
rise to a claim.
(ii) you change your Horse Trailer.
(iii) any change to the persons who will be driving the If you do make a claim or you are aware of an incident
towing vehicle. which may give rise to a claim then you must pay the
(iv) if you change where or how your Horse Trailer is annual premium in full.
kept when not in use.
(b) Your right to cancel after the cooling-
(v) if any person insured under this policy receives a
off period
criminal conviction which results in a custodial
sentence. If you do not cancel the policy within the 14 day
cooling-off period mentioned above, the policy is in
If in doubt, you should contact us using the address
force and you are committed to pay the premium.
or phone number stated in the General information
However, you can still cancel the policy providing you
section.
tell us. As long as you have not made a claim, or are
If you tell us about a change affecting your policy, we not aware of an incident which may give rise to a claim,
will tell you whether we are able to accept the change during the current period of insurance you will receive
and if so, whether the change will result in revised a refund of the part of your premium which covers
terms and/or premium being applied to your policy. the cancelled period, providing this exceeds £15.POLICY DOCUMENT 9
If you have made a claim or you are aware of an (2) Other cancellation rights
incident that may give rise to a claim during the current In addition to our rights under (i) Non-payment of
period of insurance then you must pay the annual premium above and (ii) General Condition 8
premium in full. Fraudulent claims, we have the right to cancel
your policy at any time by giving you at least
(c) Our right to cancel
fourteen days’ notice in writing, sent by special
(1) Non-payment of premium delivery to your last known address, where we
(a) If you do not pay your premium by have a valid reason for doing so. Our cancellation
instalments letter will set out the reason why we are
Unless otherwise agreed with us, we will not cancelling your policy. Valid reasons for
provide cover under this policy unless you cancelling your policy may include but are not
pay the premium by the due date. If you do limited to:
not pay the premium by the due date, we will
(a) Circumstances which are outside our reasonable
send notice of the outstanding premium to
control, for example:
you and give you a further period of at least
(i) where the law requires that we cancel your
14 days from the due date in which to pay
policy.
the outstanding amount. If payment is still not
(ii) where the continuation of your policy would
received in the timescale we have advised the
result in us breaching any applicable law or
policy is cancelled from the outset.
regulation that applies to your policy.
(b) If you pay your premium by instalments (b) you receiving a criminal conviction which results
Unless otherwise agreed with us, we will not in a custodial sentence.
provide cover under this policy unless you
If we cancel your policy for a valid reason in
pay the first instalment of premium when
accordance with our rights under (2) and you do not
requested. If the first instalment of premium is
pay by instalments, we will refund the part of your
not received, the policy is cancelled from the
premium which relates to the period remaining under
outset.
your policy which has been cancelled by us.
If you pay the first instalment of premium but
If you have made a claim under your policy, we will
default on any subsequent instalments, we
not refund any part of your premium and you will be
may cancel the policy with effect from the
required to pay us any unpaid premium.
date the first outstanding instalment was due
by notifying you in writing.
7 Making a claim
If your instalment plan is provided by us, we
(1) If any event which may result in a claim under this
will send notice of any outstanding instalment
policy occurs you must tell us as soon as is
to you and advise the date when we will re-
reasonably possible.
present our payment request to the bank. This
The action to take then depends on the type of
will not be less than 14 days from the date
claim.
on which our payment request was originally
Accidental loss theft vandalism or malicious acts
presented.
Tell the police immediately.
We will not cancel the policy for failure to pay Legal liability for injury or damage
the premium or any instalment of premium Immediately send us any writ summons or other
if such failure is due to error on our part or legal document.
on the part of your broker, bank or building
You must not negotiate or admit or deny any
society.
claim without our written permission.10 POLICY DOCUMENT
(2) (a) To help prove your claim we may require you (b) an arbitrator appointed by the Chartered Institute
to provide original purchase receipts, invoices, of Arbitrators following a request from either
bank or credit card statements, instruction party provided they have given seven days’ written
booklets, or photographs. We may also notice to the other party.
require your consent to obtain information
You must not take legal action against us over the
about your loss from the Police or other
dispute before the arbitrator has reached a decision.
relevant law enforcement agency.
(b) To help assist in dealing with your claim we
may require you to obtain estimates for the
replacement or repair of damaged property.
We will only ask for information relevant to your
claim and we will pay for any reasonable
expenses you incur in providing us with the
above information as part of your claim.
(3) Following notification of your claim property
damaged beyond repair must be retained for at
least 30 days (or any period we agree) and made
available for our inspection.
8 Fraudulent claims
If a claim made by you or anyone acting on your
behalf, or any other person claiming to obtain benefit
under this policy, is fraudulent or exaggerated whether
ultimately material or not, or if any damage is caused
by your wilful act or with your connivance we may at
our option:
(a) repudiate the claim.
(b) recover any payments already made by us in
respect of the claim.
(c) cancel the policy from the date of the fraudulent
act and retain the premium due for the unexpired
period of insurance from the date of cancellation
up to the renewal date.
If we cancel the policy we will notify you in
writing, by special delivery to your last known
address.
9 Arbitration
Provided we have admitted liability for a claim any
dispute as to the amount to be paid shall be resolved
by arbitration in accordance with the statutory
provisions in force at the time by:
(a) an agreed arbitrator or if an arbitrator cannot be
agreedPOLICY DOCUMENT 11
Rights and Responsibilities
(1) We may enter the Horse Trailer where loss or
damage has occurred and deal with any salvage.
However, we will not accept property abandoned
to us.
(2) We may take over and deal with in your name the
defence or settlement of any claim.
(3) We may take proceedings in your name but at
our expense to recover the amount of any
payment we have made under this policy. You
must give us all the information related to your
claim to enable us to make these recoveries. We
will pay for any reasonable expenses you incur in
providing us with this information.
(4) A person or Company who is not party to this
policy has no right under the Contract (Rights of
Third Parties) Act 1999 to enforce any term of
this policy, but this does not affect any right or
remedy of a third party which exists or is available
apart from that Act.12 POLICY DOCUMENT
Exclusions
1 Radioactive contamination 4 Uninsurable risk
We will not cover any loss, damage, cost, expense or We will not cover the following:
any legal liability directly or indirectly caused by or (a) damage that happened before cover under this
contributed to by or arising from: policy started.
n ionising radiation or radioactive contamination (b) any loss or damage caused deliberately by you or
from any nuclear fuel or nuclear waste arising from anyone acting on your behalf.
burning nuclear fuel; (c) damage caused by wear and tear, atmospheric or
n the radioactive toxic explosive or other hazardous climatic conditions (other than storm or flood), rot,
properties of any nuclear equipment or part of that fungus, insects or any gradual cause.
equipment. (d) damage caused by faulty workmanship, materials,
specification or design.
2 War risks (e) damage caused by cleaning, dyeing, repair or
restoration.
We will not pay for loss, damage or liability which is the
(f) mechanical or electrical breakdown.
direct or indirect result of any of the following, whether
or not contributed to by any other cause or event:
5 Pollution or contamination
(a) war
(b) invasion We will not cover any claim or expense of any
(c) activities of a foreign enemy kind caused directly or indirectly by pollution or
(d) hostilities or warlike operations (whether war has contamination other than caused by a sudden
been declared or not) identifiable unintended and unexpected incident which
(e) civil war takes place in its entirety at a specific time and place
(f) mutiny during the period of insurance.
(g) revolution, rebellion or insurrection (meaning
All pollution or contamination which arises out of one
people rising up and rebelling against the
incident shall be deemed to have occurred at the time
government by force)
such incident takes place.
(h) civil commotion which is so severe or widespread
that it resembles a popular uprising
6 Reduction in market value
(i) military power (even if properly authorised by the
duly elected government) We will not make any extra payment for a reduction in
(j) martial law the market value following a repair reinstatement or
(k) usurped power (meaning power taken by force by replacement paid for under this policy.
any person or group, including the armed forces,
which is not the duly elected government) or 7 Terrorism
(l) property being confiscated by any government or
Part A
public or local authority
Property
applicable to the property insured under this policy
3 Sonic bangs
We will not cover any loss, damage, cost or expense
We will not cover any loss or damage by pressure
directly or indirectly caused by, contributed to, by,
waves caused by aircraft or other flying devices
resulting from, or arising out of or in connection with:
travelling at sonic or supersonic speeds.
(a) biological, chemical, or nuclear pollution
(b) contamination
due to any act of terrorism.
If we allege that by reason of this exclusion any loss,
damage, expense or indirect loss is not covered by this
insurance the burden of proving the contrary shall be
upon you.POLICY DOCUMENT 13 Part B Third Party Liability applicable to the third party liability cover under this policy This insurance does not provide an indemnity in respect of any liability to third parties or any liability incurred by you for damages costs or expenses directly or indirectly caused by resulting from or in connection with any act of terrorism. This policy also excludes any such third party liability or any liability incurred by you directly or indirectly caused by, resulting from, or in connection with any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism. If we allege that by reason of this exclusion any loss, damage, expense or indirect loss is not covered by this insurance the burden of proving the contrary shall be upon you. 8 Indirect loss We will not cover any indirect losses which result from the incident that caused you to claim, except as specifically provided for under this policy.
14 POLICY DOCUMENT
General information (not forming part of the policy)
Complaint handling procedures The Financial Services
Compensation Scheme (FSCS)
If you are unhappy with our products or service, please
contact us as soon as possible. The Financial Services Compensation Scheme (FSCS)
is the independent body, set up by government,
You can complain in writing or verbally at any time to:
which gives you your money back if your authorised*
Ecclesiastical Insurance Office plc financial services provider goes bust.
Benefact House,
The FSCS protects a range of products for both
2000 Pioneer Avenue,
individuals and small businesses. Limits apply
Gloucester Business Park,
depending on the product you have bought. The FSCS
Brockworth, Gloucester,
does not charge individual consumers for using its
GL3 4AW, United Kingdom
service. The FSCS cannot help you if the firm you have
Tel: 0345 777 3322 done business with is still trading.
Fax: 0345 604 4486
You can contact the FSCS helpline on 0800 678
Email: complaints@ecclesiastical.com
1100 or 0207 741 4100, write to the address below
or visit the website -
Our promise to you www.fscs.org.uk
Financial Services Compensation Scheme
We will aim to resolve your complaint within one
10th Floor, Beaufort House,
business day. For more complex issues, we may need
15 St Botolph Street,
a little longer to investigate and we may ask you for
London EC3A 7QU.
further information to help us reach a decision.
Email enquiries@fscs.org.uk
To resolve your complaint we will:
n Investigate your complaint diligently and impartially *The FSCS can only pay compensation for customers
within Ecclesiastical of financial services firms authorised by the PRA or
n Keep you informed of the progress of the the FCA.
investigation
n Respond in writing to your complaint as soon as
possible.
If you are not satisfied with our response, or if we have
not completed our investigation within eight weeks, we
will inform you of your right to take the complaint to:
The Financial Ombudsman Service
Exchange Tower
London E14 9SR
Tel: 0800 0 234 567
Email: complaint.info@financial-ombudsman.org.uk
Web: www.financial-ombudsman.org.uk
This complaints handling procedure does not affect
your right to take legal proceedings.POLICY DOCUMENT 15 This contract is underwritten by: Ecclesiastical Insurance Office plc. Our FCA registration number is 113848. Our permitted business is general insurance. You can check this on the FCA’s register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768
If you would like more information about Ecclesiastical visit us at: www.ecclesiastical.com We can provide this booklet, upon request, in large print, Braille, audio tape and e-text. If you would like more information about SEIB Insurance Brokers Ltd, contact us at: South Essex House North Road South Ockendon Essex RM15 5BE Tel 01708 850000 Ecclesiastical Insurance Office plc (EIO) Reg. No. 24869. Registered in England at Benefact House, 2000 Pioneer Avenue, Gloucester Business Park, Brockworth, Gloucester, GL3 4AW, United Kingdom. EIO is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 113848. © Ecclesiastical Insurance Office plc 2021 PD2868 4 05/21
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